Microempresa Familiar Group
A year and a half ago, she established her own business where she sells everyday grocery products, such as basic grains, meat, sodas, and grocery products in general. She also sells food and candy with her mother at a school cafeteria in the community, from which she receives additional income.
Vilma has kept her convenience store stocked by means of loans, which have permitted her to increase her income. She is currently requesting her sixth loan to purchase more food products to stock up her convenience store, and to purchase ingredients for making the food in the cafeteria.
Her plan is to continue growing her business.
She belongs to a group called "Microempresa Familiar" ["Family Micro-Business"], which is made up of three members. Vilma can be identified in the middle of the photo by her striped blouse. On the left is Doña Rosa who works selling merchandise, and on the right is Luis Omar, who works raising and selling pigs. They all live in the same community.
Hace año y medio que ella estableció su propio negocio, donde vende productos de la canasta básica familiar como ser: granos básicos, carnes, refrescos y abarrotería en general. Además vende comida y golosinas junto con su madre en una cafetería de la escuela de la comunidad donde recibe otros ingresos.
Ella ha mantenido surtida la pulpería mediante préstamos, lo que ha permitido aumentar los ingresos. Actualmente está solicitando el sexto préstamo para comprar más productos alimenticios para surtir la pulpería y para comprar insumos para la elaboración de comida en la cafetería.
Su plan es seguir creciendo con el negocio.
Pertenece a un grupo solidario que se llama Microempresa Familiar, compuesto por tres miembros, Vilma se identifica en la foto con blusa rayada en medio, a la izquierda esta doña Rosa quien se dedica a vender mercadería y a la derecha está Luis Omar quien se dedica a la cría y venta de cerdos y todos viven en la misma comunidad.
About Organización de Desarrollo Empresarial Femenino Financiera, S.A.This loan is administered by Organización de Desarrollo Empresarial Femenino Financiera, S.A. (ODEF), a Kiva Field Partner in Honduras. A leader in the microfinance sector since 1985, ODEF strives to combat poverty by offering a wide array of financial services to low-income men and women. The organization works with its parent NGO, ODEF OPD, to provide training and technical assistance to impoverished microentrepreneurs. By incorporating the entire family unit in this process, ODEF OPD aims to improve the standard of living through the creation of profitable enterprises. Visit ODEF’s partner page for more information.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
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